Cheap Florida Car Insurance

Compare the best rates from 39 car insurance companies in Florida.

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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.


Affordable Insurance Premiums in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
3State Farm$1,834
621st Century$2,360

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$63027.29%
No Accidents$39216.96%
Good Credit$1,39547.56%

Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone

Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,17837.64%
Speeding Violation$2,88825.08%
Bad Credit$4,32947.56%

Best Car Insurance Companies in Florida

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they might provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
21st Century3Excellent
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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Florida Auto Insurance Laws

What insurance coverage do I need in Florida?

State minimum insurance requirements in Florida are as follows:

  • Property damage liability (PDL) - $10,000
  • Personal injury protection (PIP) - $10,000

Optional car insurance coverages in Florida — varying by carrier — include:

  • Bodily injury liability
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.

However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.

Analyze average expenditures for basic, better, and best insurance coverage levels in the table below or read more about coverage requirements in the state of Florida.

Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
National Average

Ticket Impact on Auto Insurance Rates in Florida

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

ViolationAvg. Annual RateRate Increase (%)Rate Increase ($)
Hit and Run$3,50752%$1,198
Refused Breathalyzer/Chemical Test$3,16537%$856
Reckless Driving$3,50752%$1,198
Driving with a Suspended License$3,50752%$1,198
At-Fault Accident$3,17838%$869
Driving with an Open Container$2,90626%$597
Operating a Vehicle Without Permission$2,92727%$618
Passing a School Bus$2,90626%$597
Improper Passing$2,90626%$597
Following Too Closely$2,88225%$574
Failure to Stop at a Red Light$2,90626%$597
Illegal Turn$2,90626%$597
Driving Wrong Way/Wrong Lane$2,90626%$597
Failure to Yield$2,90626%$597
Speeding in a School Zone$2,88825%$579
Driving Too Slowly$2,88825%$579
Distracted Driving$2,88225%$574
Driving with Expired Registration$2,56011%$252
Failure to Show Documents$2,56011%$252
Not-at-Fault Accident$2,4938%$184
Failure to Use Child Safety Restraint$2,3321%$24
Failure to Wear a Seat Belt$2,3321%$24
Driving Without Lights$2,3090%$0

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Florida Car Insurance FAQs

Who has the cheapest car insurance in Florida?

Our data shows thatUSAAis the cheapest insurance company in Florida at $507 for a 6-month policy or $84/month. The best way to find the cheapest car in Florida is to compare auto insurance quotes from as many companies as possible. Use ourcomparison toolto see rates in Florida for your driving profile.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

RankCityAvg. Annual Premium
1West Palm Beach$3,187
4Miami Gardens$3,048
6Coral Springs$2,981
8Pompano Beach$2,900
9Miami Beach$2,897
11Fort Lauderdale$2,786
13Pembroke Pines$2,705
14St. Petersburg$2,703
17Port St. Lucie$2,386
18Spring Hill$2,341
22Palm Bay$2,084
24Cape Coral$2,026

Recent Florida Car Insurance Questions and Answers

Can the other person still file an insurance claim against me if I wasn't issued a citation?

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.

Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?

Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.

Can a lender dictate what my deductible is?

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.

Florida Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Florida area, while also getting an insider view of the Sunshine State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.